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Originally Posted by Soupe du jour
Sorry you have to resort to out of network providers, Mountaindewed. I agree that an out of network doctor/therapist can be worth it, sometimes. Or sadly out of necessity. You should check with your insurance to see how the out of network visits work. Sometimes you need to pay in full, but can submit copies of payment receipts to the insurance company for partial reimbursement. Usually the reimbursement is less than in-network. Sometimes it's little, but something is better than nothing.
When I lived in the US, I of course looked for in-network providers. Most were in-network, but my psychiatrist wasn't. He was definitely worth the extra expense.
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According to the insurance company I’ll be paying $40 a session instead of $100. Which is about what I paid for with my old insurance. When I had just Medicare without a supplement, a couple years ago, I was paying $12 a session for therapy but only 80% of my medical bills were being covered and I was starting to get sick a lot. I had to choose between my mental and physical health basically when signing up for insurance. And it was worth it since my doctors visits and my surgery in 2020 were 100% covered. But I feel like this new insurance is a scam. I honestly don’t understand it. I mean I don’t understand the out of network thing. Maybe it’s just because they didn’t actually have any therapist who took it. So maybe that’s why they are letting me choose who I want. It’s still a type of Medicare. Before I switched insurances I could see whoever I wanted to who took Medicare. Which was basically every doctor and specialist.